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Jiangxi Bank Co., Ltd. Class H (HK:1916)
:1916
Hong Kong Market

Jiangxi Bank Co., Ltd. Class H (1916) AI Stock Analysis

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HK

Jiangxi Bank Co., Ltd. Class H

(1916)

Rating:54Neutral
Price Target:
Jiangxi Bank's overall stock score reflects a combination of mixed financial health, neutral technical indicators, and an attractive valuation. The primary concerns include declining revenue and negative cash flow, suggesting liquidity challenges. However, the low P/E ratio and high dividend yield provide a counterbalance, indicating potential undervaluation for investors focused on earnings and dividends.

Jiangxi Bank Co., Ltd. Class H (1916) vs. iShares MSCI Hong Kong ETF (EWH)

Jiangxi Bank Co., Ltd. Class H Business Overview & Revenue Model

Company DescriptionJiangxi Bank Co., Ltd. provides corporate and retail banking services in the People's Republic of China. The company operates through Corporate Banking, Retail Banking and Credit card, and Financial Markets Business segments. The Corporate Banking segment offers deposits, corporate loans and advances, trade financing, agency services, consulting and advisory services, remittance, and settlement services, and guarantee services to corporations, government agencies, and financial institutions. The Retail banking and Credit Card segment provides deposits, personal loans, bank cards, personal wealth management services, and remittance services to retail customers. The Financial Markets Business segment engages in the inter-bank money market transactions; repurchases transactions and investments; debt securities trading; and issuance of debts. It also offers financial leasing, foreign exchange, bill acceptance, discounting, and safe-box services; issues financial bonds; issues, trades in, settles, and underwrites government bonds; interbank placement; acts as an agent for inward and outward payments, and insurance agent; and loans based on local government fund. The company was formerly known as Bank of Nanchang Co., Ltd. and changed its name to Jiangxi Bank Co., Ltd. in December 2015. Jiangxi Bank Co., Ltd. was founded in 1997 and is headquartered in Nanchang, the People's Republic of China.
How the Company Makes MoneyJiangxi Bank Co., Ltd. generates revenue through various streams typical of commercial banks. The primary source of income is interest income from loans and advances provided to personal, corporate, and institutional clients. The bank also earns from non-interest income sources, such as fees and commissions related to wealth management services, transaction banking, and other financial products. Additionally, Jiangxi Bank engages in treasury operations, which contribute to its earnings through investment activities and interbank lending. The bank's strategic partnerships and regional focus enable it to capitalize on economic growth within Jiangxi Province, further enhancing its profitability.

Jiangxi Bank Co., Ltd. Class H Financial Statement Overview

Summary
Jiangxi Bank's financial performance shows a mixed profile. The income statement highlights a decline in revenue, although profitability margins remain relatively strong. The balance sheet is stable with low leverage, but cash flow analysis shows persistent negative free cash flow, raising liquidity concerns.
Income Statement
45
Neutral
Jiangxi Bank has shown a declining revenue trend, with a noticeable decrease from 2022 to 2023. The net profit margin is relatively strong, indicating efficiency in converting revenue into profit. However, the falling EBIT margin suggests challenges in maintaining operational profitability.
Balance Sheet
60
Neutral
The debt-to-equity ratio is low, indicating conservative leverage, which is favorable for stability. Stockholders' equity has been stable, contributing positively to the equity ratio. However, the overall growth in assets has been modest.
Cash Flow
40
Negative
The company has been experiencing negative free cash flow consistently, which poses liquidity concerns. There is a negative trend in operating cash flow, indicating potential challenges in sustaining operations from internal cash generation.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue4.18B4.63B5.32B6.14B6.00B
Gross Profit4.18B4.63B5.32B6.14B6.00B
EBITDA0.000.000.000.000.00
Net Income1.06B1.04B1.55B2.07B1.86B
Balance Sheet
Total Assets573.63B552.35B515.57B508.56B458.69B
Cash, Cash Equivalents and Short-Term Investments8.66B13.04B14.71B22.58B19.19B
Total Debt6.13B47.45B57.35B51.55B50.92B
Total Liabilities525.05B504.81B6.76B466.93B422.75B
Stockholders Equity47.78B46.78B46.05B40.92B35.27B
Cash Flow
Free Cash Flow-29.43B-2.94B-34.73B-41.98B-24.56B
Operating Cash Flow-29.29B-2.77B-34.61B-41.59B-24.29B
Investing Cash Flow-1.16B5.63B19.38B11.87B17.41B
Financing Cash Flow26.06B-8.88B8.94B32.22B5.96B

Jiangxi Bank Co., Ltd. Class H Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.88
Price Trends
50DMA
0.82
Positive
100DMA
0.78
Positive
200DMA
0.75
Positive
Market Momentum
MACD
0.01
Negative
RSI
62.36
Neutral
STOCH
79.17
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1916, the sentiment is Positive. The current price of 0.88 is above the 20-day moving average (MA) of 0.86, above the 50-day MA of 0.82, and above the 200-day MA of 0.75, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 62.36 is Neutral, neither overbought nor oversold. The STOCH value of 79.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1916.

Jiangxi Bank Co., Ltd. Class H Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
$16.86B11.909.77%3.76%12.07%-8.35%
54
Neutral
HK$5.30B7.191.77%4.78%-0.22%-4.50%
DE2JJ
€227.01M11.620.90%
DE5H6
€530.83M9.021.79%
70
Outperform
HK$6.47B5.0512.21%5.38%2.88%27.89%
69
Neutral
HK$8.41B4.236.92%6.08%-1.50%-14.15%
61
Neutral
HK$4.14B6.801.74%-7.44%-11.97%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:1916
Jiangxi Bank Co., Ltd. Class H
0.90
0.18
25.00%
DE:2JJ
Jilin Jiutai Rural Commercial Bank Corporation Limited Class H
0.04
-0.07
-63.64%
DE:5H6
Harbin Bank Co., Ltd. Class H
0.04
0.02
100.00%
HK:1983
Luzhou Bank Co., Ltd. Class H
2.44
0.62
34.07%
HK:2139
Bank of Gansu Co., Ltd. Class H
0.28
-0.04
-12.50%
HK:2558
Jinshang Bank Co., Ltd. Class H
1.38
0.11
8.66%

Jiangxi Bank Co., Ltd. Class H Corporate Events

Jiangxi Bank’s 2025 EGM Approves Key Resolutions
Apr 22, 2025

Jiangxi Bank Co., Ltd. held its first extraordinary general meeting of 2025, where all proposed resolutions were passed by poll. The resolutions included the acquisition of Jinxian Ruifeng County Bank to establish it as a branch and the approval of the issuance amount of capital instruments. The meeting was attended by a significant number of shareholders, representing a substantial portion of the bank’s voting rights, indicating strong support for the resolutions. This development is expected to enhance the bank’s operational capabilities and expand its market presence.

Jiangxi Bank Announces 2025 Extraordinary General Meeting
Apr 7, 2025

Jiangxi Bank Co., Ltd. has announced its 2025 first extraordinary general meeting scheduled for April 22, 2025, to discuss significant resolutions including the acquisition of Jinxian Ruifeng County Bank as a branch and the issuance of capital instruments. These resolutions, if approved, could enhance the bank’s operational capabilities and market presence, potentially impacting its stakeholders positively.

Jiangxi Bank Announces Closure of H Shares Register for 2025 EGM
Mar 28, 2025

Jiangxi Bank Co., Ltd. has announced the closure of its register of members for H shares in preparation for its first extraordinary general meeting (EGM) of 2025, scheduled for April 22. This closure will occur from April 15 to April 22, during which no share transfers will be processed. Shareholders wishing to attend and vote at the EGM must ensure their share transfer documents are registered by April 14. The meeting will address resolutions which will be detailed in a forthcoming circular.

Jiangxi Bank Co., Ltd. Releases 2024 Annual Results
Mar 28, 2025

Jiangxi Bank Co., Ltd. has announced its audited consolidated annual results for the year ended December 31, 2024. The results have been reviewed and confirmed by the Board and the audit committee, and comply with the listing requirements of the Hong Kong Stock Exchange. The annual report will be available on the bank’s website and distributed to shareholders. This announcement reflects the bank’s commitment to transparency and regulatory compliance, potentially impacting its market positioning and stakeholder confidence.

Jiangxi Bank Declares Final Dividend for 2024
Mar 28, 2025

Jiangxi Bank Co., Ltd. has announced a final cash dividend of RMB 0.38 per 10 shares for the year ending December 31, 2024. The announcement includes details on withholding tax rates applicable to non-resident shareholders, which vary based on tax treaties between their countries and China. This dividend declaration reflects the bank’s financial performance and commitment to returning value to its shareholders, potentially impacting its market positioning and stakeholder relations.

Jiangxi Bank Schedules Board Meeting to Approve Annual Results and Dividend
Mar 18, 2025

Jiangxi Bank Co., Ltd. has announced that its board of directors will meet on March 28, 2025, to consider and approve the annual results for the year ended December 31, 2024, and to discuss the recommendation of a final dividend. This meeting is significant for stakeholders as it will determine the financial performance of the bank and any potential dividend payouts, impacting investor sentiment and the bank’s market positioning.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: May 01, 2025